Marc Ryan

144. ICHRAs Are Growing — And Can Be Part of the Healthcare Reform Solution

ICHRAs are part of the solution, but not a substitute for overall healthcare reform. About The Podcast: Millions of Americans feel confused and frustrated in their search for quality healthcare coverage. Between out-of-control costs, countless inefficiencies, a lack of affordable universal access, and little focus on wellness and prevention, the system is clearly in dire need of change. Hosted by healthcare policy and technology expert Marc S. Ryan, the Healthcare Labyrinth Podcast offers accessible, incisive deep dives on the most pressing issues and events in American healthcare. Marc seeks to help Americans become wiser consumers and navigate the healthcare maze with more confidence and certainty through The Healthcare Labyrinth website and his book of the same name. Marc is an unconventional Republican who believes that affordable universal access is a wise and prudent investment. He recommends common-sense solutions to reform American healthcare. Tune in every week as Marc examines the latest developments

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Two Star Blogs In One: What Will CMS Do Next On Stars? … and … Despite Cut Point Moves, Widespread Overall Ratings Hikes Unlikely

While cut points and averages surged, a lot goes into whether overall ratings will go up as well. Plan Preview 2 is here and today I am covering two topics. 1 – What will the Centers for Medicare and Medicaid Services (CMS) do on the Stars Ratings front? 2 – What do the cut points, average values, and average ratings tell us about whether overall ratings will go up? What will CMS do on Star Ratings? As we know, when the Clover lawsuit decision occurred, CMS quickly moved to recalculate a Clover contract using the court Clover Specific remedy. A short time later, CMS recalculated all other contracts using a “better of” Original Ratings and a CMS Recalculation methodology that simultaneously conformed with the court decision and ignored it. Three new lawsuits emerged, which are pending now. First, Elevance Health is arguing that it deserves a recalculation based on the

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September 9, 2026

Impact Of OBBBA Cuts Two new analyses describe the looming impacts of the Medicaid and Exchange cuts in the One Big Beautiful Bill Act (OBBBA). Upcoming statutory limits on providers’ state-directed payments (SDPs) in Medicaid are expected to cost states tens of billions of dollars for state match and lower spending by double that or more. The analysis published in Health Affairs says 17 hard-hit states could see impacts of 10% to 25% of total annual Medicaid spending. The analysis outlined at least $51.8 billion in reductions across 36 states. A proposed rule would expand reductions beyond what is outlined in the OBBBA to all such SDPs. Federal policy changes and budget cuts are forcing states to scale back Medicaid benefits for immigrants. Because of looming cuts, California, Colorado, Illinois, Minnesota, New York, Washington and the District of Columbia have scaled back state-funded coverage for immigrants. The changes will also

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September 8, 2026

States Turning To Managed Care For Medicaid Long-Term Care An excellent Modern Healthcare article on Medicaid long-term care. Twenty-four states contract with Medicaid managed care organizations to cover people who need long-term services and supports. This is a remarkable shift from decades ago when managed care covered largely only TANF welfare and related populations. States have turned to private delivery to save costs and reduce trends. However, some states are actually rolling back long-term managed care. Indiana and Nebraska recently ended insurer contracts amid provider concerns. #medicaid #longtermcare #managedcare https://www.modernhealthcare.com/insurance/mh-medicaid-managed-care-long-term-services State Initiatives To Reduce Healthcare Costs Growing Another interesting Modern Healthcare article on state efforts to reduce healthcare costs. Eight states have established cost growth targets. Enforcement ranges from hard penalties down to performance improvement plans and reporting. Some states are also looking to cap certain healthcare services and payer types. So far, there have been mixed reviews on state

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We Are Being Priced Out Of Healthcare — And It Is Not Just An Exchange Problem

Huge surges annually in employer healthcare costs continue to drive an affordability crisis. I have been writing a great deal lately about the coming coverage crisis in America. Much of the attention — understandably — has been focused on the Affordable Care Act (ACA) Exchanges and the expiration of the enhanced premium subsidies. Roughly 24 million Americans are enrolled in Exchange coverage, and the loss of enhanced subsidies will have a profound impact on affordability and enrollment. I have argued that this is bad policy. While I support reforms to the enhanced subsidies, including requiring everyone to contribute something toward coverage and instituting much stronger fraud and enrollment controls, allowing affordability to deteriorate dramatically makes little sense. But there is a much bigger healthcare affordability story developing. It affects the more than 164 million Americans who receive health insurance through an employer. That makes employment-based insurance, by an enormous margin,

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September 4, 2026

Cuban Offers Ideas On Affordability Entrepreneur Mark Cuban, founder of Cost Plus Drugs, appeared before the Texas Legislature with affordability and reform ideas. They include: #healthcare #healthcarereform #cuban https://www.fiercehealthcare.com/regulatory/mark-cubans-recipe-affordable-healthcare-includes-these-5-policy-changes Cambia And Arkansas BCBS Affiliation Approved The Arkansas Insurance Department approved Arkansas Blue Cross and Blue Shield’s affiliation with Cambia Health Solutions, effective Oct. 1. The partnership will bring Cambia’s membership to nearly 6 million enrollees across six states. #bcbs #mergers https://www.modernhealthcare.com/insurance/mh-arkansas-blue-cross-cambia-health-approval — Marc S. Ryan

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143. Medicare Advantage Retrenchment Is Not Over — 2027 Could Bring Another Tough Year.

The MA industry is coming back, but 2027 will be the fourth year of retrenchment to get back to financial sustainability. About The Podcast: Millions of Americans feel confused and frustrated in their search for quality healthcare coverage. Between out-of-control costs, countless inefficiencies, a lack of affordable universal access, and little focus on wellness and prevention, the system is clearly in dire need of change. Hosted by healthcare policy and technology expert Marc S. Ryan, the Healthcare Labyrinth Podcast offers accessible, incisive deep dives on the most pressing issues and events in American healthcare. Marc seeks to help Americans become wiser consumers and navigate the healthcare maze with more confidence and certainty through The Healthcare Labyrinth website and his book of the same name. Marc is an unconventional Republican who believes that affordable universal access is a wise and prudent investment. He recommends common-sense solutions to reform American healthcare. Tune in every

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September 3, 2026

Hospitals Say Revenue Losses Will Mount With More Changes Hospital lobbies are turning up the heat on lawmakers given multiple funding reductions that threaten hospital finances. Impacts of the One Big Beautiful Bill Act will be $340 billion through 2034. But new rules proposed by the Trump administration would reform site neutral payments for imaging and enact reductions to drug reimbursement in Medicare for those with 340B status. That would mean another $681 billion loss over ten years. While I favor site neutral payments and some 340B reforms, it seems clear that all the reductions threaten to undermine providers. #hospitals #obbba #340b #siteneutral #medicaid #exchanges https://www.politico.com/news/2026/09/02/hospitals-say-coming-regulations-worse-than-medicaid-cuts-01060086 Centene To Exit Some Commercial Markets Centene subsidiary Health Net is pulling out of the commercial employer group market in California and Oregon. Additional article: https://www.modernhealthcare.com/insurance/mh-centene-california-oregon-commercial-group-plans/ #centene #employercoverage https://www.beckerspayer.com/payer/centenes-health-net-to-exit-commercial-group-market-in-california-oregon/ ICHRAs Now CHOICE The Centers for Medicare and Medicaid Services (CMS) has announced the rebranding

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The Clover Fallout Continues: Elevance, SCAN, Alignment—and Now CMS’ Appeal

Strap in for the Clover Stars roller coaster ride. We are still violently looping around. Just when you thought the Clover Health Star Ratings saga could not get any more complicated, it has. In my August 17 blog on the fallout from the Clover decision, I laid out again what I call the growing “balkanization” of Medicare Advantage (MA) Star Ratings. We effectively have different potential rating scenarios depending on which interpretation of the Clover decision is applied. And different health plans are now in court seeking the calculation that benefits them the most. Since then, we have had three important developments. First, the SCAN Health Plan and Alignment Healthcare cases are moving forward in Washington, D.C. Second, a federal judge denied Elevance Health’s request for a preliminary injunction, but gave Elevance some very encouraging language on the merits. Third, the Centers for Medicare and Medicaid Services (CMS) has now

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September 2, 2026

More Crippling News On Employer Healthcare Costs I told you about a number of business surveys projecting huge increases in healthcare costs in 2027. The bad news continues. A new survey underscores the trend. Marsh, formerly Mercer, says employers’ healthcare costs are projected to spike again in 2027. Without intervention, the hike would be 11%. With benefit adjustments and other interventions, the hike will be 8.2%. This echoes the Aon survey which said costs will rise 9.5%. In other news, only 60% of employer health plans cover GLP-1 drugs for obesity, down from 72% last year. This is from the Business Group on Health. Additional articles: https://www.fiercehealthcare.com/payers/employers-health-benefits-costs-could-rise-82-2027-marsh-survey and https://www.modernhealthcare.com/insurance/mh-employer-health-plans-glp-1-coverage/ #employercoverage #healthcare #coverage #costs https://thehill.com/policy/healthcare/6066452-employer-health-costs-spike-2027 Elevance Will Exit LA Medicaid Elevance Health’s Healthy Blue joint venture will close at year’s end, impacting 290,000 Medicaid enrollees. Louisiana will run a special enrollment period from Oct. 15 to Nov. 16 for impacted members.

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